AI · MONEY
Free chatbots, 15 minutes, no account numbers.
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ENTRY 01 · AI
FREE TOOLS
ChatGPT, Gemini and Copilot all have free versions that can sort your spending.
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ENTRY 02 · AI
NOT ACCOUNT NUMBERS
Give category totals only. Never share passwords or your Social Security number.
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ENTRY 03 · AI
ASK FOR A TABLE
Needs, wants and savings, with your take-home pay. Ask it to show the math.
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ENTRY 04 · AI
HOUSING SHARE
Housing is a third of U.S. household spending, BLS data for 2024 shows.
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ENTRY 05 · AI
DO THE MATH
Chatbots make mistakes. Add the columns yourself before you trust the plan.
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FINAL ENTRY
The full guide: a copy-and-paste prompt, a sample budget and privacy tips.
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Photo: Shixart1985 / CC BY 2.0